Search found 1195 matches

by bayview
Tue Oct 10, 2017 4:43 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 12177

Re: 100% in bond to wait for market crash?

All I was saying it is much more risky to put in stock now. You can treat it like a joke, but PE at 30 is real, how many times you see the market with P/E ratio 30? It's not about timing the market, it's about assess the risk. For example, you could kind of see the housing market about to crash wit...
by bayview
Mon Oct 09, 2017 7:47 pm
Forum: Investing - Theory, News & General
Topic: Buy when there's blood in the streets!
Replies: 39
Views: 6390

Re: Buy when there's blood in the streets!

If your portfolio isn't that big yet, and you're still accumulating, you can go to 100% stocks for new money.

Our IPS says not to sell bonds to rebalance (Bernstein's liability matching portfolio approach), so that's still our tactic, even though we're no longer newer investors.
by bayview
Mon Oct 09, 2017 7:02 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 12177

Re: 100% in bond to wait for market crash?

hi Alex-686, the idea is to avoid the big lost for now and eventually will move most of the fund back to the total stock market index in taxable. I have invested in my 401k as well which having 90% stock currently with $250k. No, I understand what you are saying. Let me counter with a different ide...
by bayview
Mon Oct 09, 2017 6:12 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 12177

Re: 100% in bond to wait for market crash?

Since the stock market value most Expendive except year 2000 ( p/e https://www.quandl.com/data/MULTPL/SHILLER_PE_RATIO_MONTH-Shiller-PE-Ratio-by-Month ). Also sincevthe bond having roughly 2.3% return, please convince me not to collect 2.3% in bond and wait for stock correction. I do to want to see...
by bayview
Mon Oct 09, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: Bogle himself is saying we will expect like 3% for the next decades
Replies: 141
Views: 15951

Re: Bogle himself is saying we will expect like 3% for the next decades

This thread reminds me of the saying:

Bulls make money; bears make money.

Pigs get slaughtered.
by bayview
Mon Oct 09, 2017 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Third time in my 32 year career I have been laid off
Replies: 87
Views: 10250

Re: Third time in my 32 year career I have been laid off

I doubt if it would impact decisions, but it might, and in any case it would be interesting to know: Felix the Cat: It would just take a few minutes to set up a username and password to log on to the social security site and see what your monthly social security income would be at various ages star...
by bayview
Mon Oct 09, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Pare back allocation?
Replies: 10
Views: 897

Re: Pare back allocation?

Bump in case OP is still around: I found an earlier thread where OP asked what seems to be the same question: I will retire in 4.5 years at age 57 and a half. I am a public employee and I will have approximately 480,000 in a stable value fund at that time. That is guaranteed based on CPI index and I...
by bayview
Sun Oct 08, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Pare back allocation?
Replies: 10
Views: 897

Re: Pare back allocation?

I struggle with this. I have lump sum account that I know will give me about $475,000 in 4 years when I have to retire (State job). I can't manage that it is basically fixed at CPI. Does that mean that you can't control the stock/bond AA, because it is basically is going to pay you your savings, in...
by bayview
Thu Oct 05, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 372
Views: 49505

Re: Retirement Account Stolen by Identity theft

You asked above what else you should do, and I might have missed it, but I didn't see it mentioned: Make sure that your email address is registered on his accounts so that you will be promptly notified if anything odd happens. This is not only because he doesn't use email, but because elderly people...
by bayview
Thu Sep 28, 2017 5:58 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 15287

Re: Why do you LBYM? Why do you save and invest?

We save to reduce anxiety about our retirement years. We want to remain independent as long as we can. It's easy to do because neither of us are into Stuff. We own one car, a 2002 Accord. He's retired; I'm shifting to working from home and can live happily with the clothes I have. We picked the hous...
by bayview
Sat Sep 23, 2017 8:16 am
Forum: Investing - Theory, News & General
Topic: AA if you were just starting out again
Replies: 49
Views: 3868

Re: AA if you were just starting out again

oldcomputerguy wrote:
Sat Sep 23, 2017 6:41 am
Anybody know why there's a 20-pound frozen turkey up in the light grid?
oldcomputerguy, I just have to ask about your signature. :D What provoked that question? And did you ever find out how the turkey got up there??
by bayview
Sat Sep 23, 2017 8:12 am
Forum: Investing - Theory, News & General
Topic: AA if you were just starting out again
Replies: 49
Views: 3868

Re: AA if you were just starting out again

(1) I would have started earlier. (2) I would have used Roth IRAs more in contrast/ in addition to traditional 401k and TSP. (3) I might have been heavier in stocks, but still at least 10% fixed initially, dialing it back over the years, although I'm not particularly unhappy with what I did. (4) Sam...
by bayview
Sat Sep 23, 2017 8:04 am
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 97
Views: 9721

Re: VG wants everyone to transfer to a brokerage account?

I got the email during the previous wave - two months ago?

The big "convert now!!!!" banners were on our accounts for maybe a month and then finally went away.

We are still non-brokerage.

--However, now I have the email again about the proxy vote, even though we voted last time. :oops:
by bayview
Wed Sep 20, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50018

Re: Equifax customer information leak

Just found this in my thrash on my e mail account. Sept 10th it arrived. This was about the same time I filled out the Equifax form which wanted my ss # Is this legit or another scam. I have not phoned them. Have not heard back from Equifax after they said I was probably impacted. ALERT! EQUIFAX HA...
by bayview
Tue Sep 19, 2017 5:52 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 26102

Re: Calling out the not so rich bogleheads

Well, this thread sure went sideways from what I was expecting. I count myself among the not-so-rich Bogleheads. With retirement planned for ~3 years away, we will NEVER have the retirement savings that many post about here, but we're happy with the AA though and nervously confident in the retiremen...
by bayview
Sat Sep 16, 2017 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Considering rolling over Vanguard funds to TSP
Replies: 13
Views: 1069

Re: Considering rolling over Vanguard funds to TSP

Welcome to the Boglehead forums! I have both TSP and VG tIRA and rIRA. My husband also has his tIRA and rIRA at Vanguard. With respect, you might be micro-focusing on fees. The Vanguard fees are pretty miniscule. Granted, the TSP fees are even smaller, but you'd have to have a ton of money in TSP to...
by bayview
Fri Sep 15, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 11013

Re: The 10 year car ownership "rule"

hulburt1 wrote:
Tue Sep 12, 2017 3:27 pm
4 cars buy new-(1995-223000,2004-170000,2007-122222 and a 1972 vw 25000 on engine)-I rent now when I take trips.
+1 for the renting option. Let Enterprise eat that mileage.

One car for two of us, 2002 Honda Accord, 220k+ miles, bought used in 2009, runs perfectly. * knock wood *
by bayview
Fri Sep 15, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Reasonable to adjust 401k allocation if you have a pension?
Replies: 20
Views: 2094

Re: Reasonable to adjust 401k allocation if you have a pension?

I recently started a position that offers a pension or a % match in a 401k. I opted for the pension thinking it could (operative word) be a good safety net in the future. If something were to happen before I'm vested in 5 years, the principle would be returned with 4% interest. However, the pension...
by bayview
Fri Sep 15, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Reasonable to adjust 401k allocation if you have a pension?
Replies: 20
Views: 2094

Re: Reasonable to adjust 401k allocation if you have a pension?

I recently started a position that offers a pension or a % match in a 401k. I opted for the pension thinking it could (operative word) be a good safety net in the future. If something were to happen before I'm vested in 5 years, the principle would be returned with 4% interest. However, the pension...
by bayview
Thu Sep 14, 2017 7:27 pm
Forum: Investing - Theory, News & General
Topic: [WSJ] Your Tolerance for Investment Risk Is Probably Not What You Think
Replies: 49
Views: 6323

Re: [WSJ] Your Tolerance for Investment Risk Is Probably Not What You Think

Actually, what shook me in 2009 wasn't the stock market, it was Wells Fargo closing my HELOC. Even though I didn't carry a balance, for years I treated it as my emergency fund. It never occurred to me that the bank might just close millions of them without notice at the worst possible time. That fo...
by bayview
Thu Sep 14, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: [WSJ] Your Tolerance for Investment Risk Is Probably Not What You Think
Replies: 49
Views: 6323

Re: [WSJ] Your Tolerance for Investment Risk Is Probably Not What You Think

Folks, IMHO, the big elephant in the room is job security... KlangFool nisiprius, 1) 50% of my co-workers in my building were laid off on 1/1/2009. The whole building was empty. 2) The sad part for me is that this looks tame as compared to Asian Currency Crisis when I was in Asia. The whole country...
by bayview
Sat Sep 09, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50018

Re: Equifax customer information leak

Just froze credit online at Experian and Equifax. Very quick and simple. Since I am a senior, there is no charge in NC.. Good Lord, a consumer-friendly law in NC! I did not know that there was such a thing. :shock: :D Link to NC Attorney General website discussing this: http://www.ncdoj.gov/getdoc/...
by bayview
Fri Sep 08, 2017 1:42 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50018

Re: Equifax customer information leak

As a Fed, I was already a victim of the OPM breach. By now, I should be getting familiar with this... :? Here's what the message looks like: Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. Click the button below to conti...
by bayview
Thu Sep 07, 2017 3:13 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1101210

Re: U.S. stocks in freefall

Does that effect or affect the market? I confuse the two. Effect is the noun. Affect is the verb. Generally true but "effect" can also be a verb in some contexts, such as in this example: "She was elected to effect change". Effect in this usage meaning to bring into existence. Once in my employment...
by bayview
Tue Sep 05, 2017 5:38 am
Forum: Personal Finance (Not Investing)
Topic: If I died today, what would my spouse do?
Replies: 69
Views: 14239

Re: Re:

Why do you care? You will be dead. A great person would post such a thing and I for one miss sscritic. I believe him to be an upstanding citizen, and know him to be smart and caring to give you his wisdom and insightful advice free of charge. The Golden Rule: One should treat others as one would li...
by bayview
Sun Sep 03, 2017 12:38 pm
Forum: Forum Issues and Administration
Topic: SITE OFFLINE Sunday 10 AM Eastern (14:00 UTC) - software upgrade
Replies: 13
Views: 1521

Re: SITE OFFLINE Sunday 10 AM Eastern (14:00 UTC) - software upgrade

Here's where I reveal (once again) how oblivious I am to things: have you always posted these announcements on every sub-forum? I don't ever remember seeing them before.

(The only time I come to this particular board is when I think BH had gone offline a bit before.)
by bayview
Sun Sep 03, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: a list of major factor asset classes
Replies: 12
Views: 1126

Re: a list of major factor asset classes

selftalk wrote:
Sun Sep 03, 2017 6:55 am
This factor based investing style has me stumped as I`m used to the old fashioned way. I can`t seem to grasp it.
I follow the advice to NOT invest in something that I don't understand. I sleep a lot better at night for it.
by bayview
Sun Sep 03, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 143
Views: 14011

Re: Another bay area housing thread..

Carefreeap wrote:
Sat Sep 02, 2017 1:02 pm

...And BTW I hope your weather is nice in Seattle. Here in Pacifica we hit 101 at the beach. Hasn't happened in 30 years. Can't imagine how hot it is in San Mateo.
DH wants to know if during the 101 degrees, it was still foggy. :twisted:
by bayview
Sun Sep 03, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: How can I take advantage of a low-income year?
Replies: 23
Views: 2105

Re: How can I take advantage of a low-income year?

Assuming this is done, and the conversion is sitting in the conversion rIRA, and we confirm that we don't need to re-characterize, then what? Move the funds from the c-rIRA (this is getting confusing) to the original rIRA, and start over again for the next year? Yes, although you may want to wait u...
by bayview
Sun Sep 03, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Estate Administration Question
Replies: 65
Views: 4497

Re: Estate Administration Question

When I settled my Dad's estate I was able to do everything EXCEPT sell his condo. Fortunately I had kept enough funds in reserve to pay insurance and homeowners fees. But it took a very long time to sell, and ultimately I ran out of reserve and had to retrieve $$ from brother and sister. They weren...
by bayview
Sun Sep 03, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Evaluating new job offer
Replies: 40
Views: 3199

Re: Evaluating new job offer

thomasbayarea wrote:
Sat Sep 02, 2017 9:11 pm
I accepted the offer :sharebeer
He took it. :D
by bayview
Sun Sep 03, 2017 7:13 am
Forum: Investing - Help with Personal Investments
Topic: How can I take advantage of a low-income year?
Replies: 23
Views: 2105

Re: How can I take advantage of a low-income year?

This is the perfect year for you to convert some of that TIRA. Always convert into a new (empty) Roth instead of an existing one, in case you find that you need to recharacterize (un-do) some of the conversion later on... This is our first year to do significant (for us :D) Roth conversions. In the...
by bayview
Sun Sep 03, 2017 6:40 am
Forum: Personal Finance (Not Investing)
Topic: 2 or 3 W-$ allowances for MFJ, no kids, 1 spouse w/taxable earned income?
Replies: 16
Views: 1159

Re: 2 or 3 W-$ allowances for MFJ, no kids, 1 spouse w/taxable earned income?

I take our last year's effective tax rate (not tax bracket), add 1%, and jiggle around the allowances, plus additional cash w/h if needed, to wind up with a figure that equals that effective tax rate + 1% for the year. In families who have more than one W-2 style income, I think W-4's are pretty muc...
by bayview
Sat Sep 02, 2017 8:08 am
Forum: Investing - Help with Personal Investments
Topic: GLOBAL 1M$ Conservative Growth Portfolio?
Replies: 25
Views: 1987

Re: VHGEX & VFITX(VFIUX) 1M$ Conservative Growth Portfolio?

I've gotten tired of debating with myself whether to lean more toward equity or more toward fixed in retirement, so I have to say that 50/50 is looking better and better. It seems to avoid a lot of the hand-wringing, because neither side "wins." It's like when two children fight over a piece of cake...
by bayview
Sat Sep 02, 2017 8:02 am
Forum: Investing - Theory, News & General
Topic: Robert Kiyosaki - rich dad, poor dad
Replies: 45
Views: 4692

Re: Robert Kiyosaki - rich dad, poor dad

VictoriaF wrote:
Sat Sep 02, 2017 7:58 am
bayview wrote:
Sat Sep 02, 2017 7:50 am
stemikger wrote:
Sat Sep 02, 2017 7:25 am

lol. I will add one to your list. Everything Men know about Women. It's 300 blank pages.
* blots sprayed coffee off of keyboard * :D
Here is a data point about women: We have a sense of humor.

Victoria
:sharebeer
by bayview
Sat Sep 02, 2017 7:50 am
Forum: Investing - Theory, News & General
Topic: Robert Kiyosaki - rich dad, poor dad
Replies: 45
Views: 4692

Re: Robert Kiyosaki - rich dad, poor dad

stemikger wrote:
Sat Sep 02, 2017 7:25 am

lol. I will add one to your list. Everything Men know about Women. It's 300 blank pages.
* blots sprayed coffee off of keyboard * :D
by bayview
Sun Aug 27, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance Increase
Replies: 13
Views: 1394

Re: USAA Auto Insurance Increase

A question sparked by another thread: If you switch your USAA insurance policy to another firm, could you lose your eligibility for your current level of membership? I've been USAA CIC (father was Army officer) for 40-some years now. We have bank accounts at USAA as well. If we feel we have to go ra...
by bayview
Sun Aug 27, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: approaching 70, and a totally new situation.
Replies: 31
Views: 4341

Re: approaching 70, and a totally new situation.

gabe1955 wrote:
Sun Aug 27, 2017 12:54 pm
Thanks. Perhaps there is no reason to change. But I'm going from zero to a large tax bite. And was hoping to find a way to minimize it.
Perhaps it's a bit late, but Roth conversions.
by bayview
Sun Aug 27, 2017 8:31 am
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 394
Views: 64745

Re: New Book: Living off Your Money (Michael McClung)

I just bought the paperback from Amazon for $28. I did not know this when I ordered it, but a pdf version is available on the book's website (not on Amazon) for $35. I would have much preferred the pdf to the paperback, had I known. The hardback is currently out of stock on Amazon. Is the paperback...
by bayview
Sat Aug 26, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 91
Views: 7248

Re: Bosch dishwasher?

We bought this Bosch d/w two years ago, and we love love love it: SHP65T55UC If you yank the bottom drawer, yes, it can come off the rails, and you just put it back on. What, it's an inch off the tracks? How complicated is that? Pretty sure that ours doesn't have a separate drying element, but we ju...
by bayview
Sat Aug 26, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Sigh...I'm ready for criticism...how am I doing?
Replies: 50
Views: 6913

Re: Sigh...I'm ready for criticism...how am I doing?

The house does need some repairs and we had a buyer but he lost financing. All our equity is essentially gone since the market has depreciated and about $20k in repairs are needed. If we rent it, we will use property management. Nice thread title! I agree with others that you are doing well. As som...
by bayview
Sat Aug 26, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance Increase
Replies: 13
Views: 1394

Re: USAA Auto Insurance Increase

We are USAA CIC, and no rate increase yet, but we're only halfway through our current 6-month policy. Since we tend to ignore the tons of emails from USAA (we have lots of separate policies), thank you for bringing this to our attention. We will go onto full alert by late October or early November.
by bayview
Sat Aug 26, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Kitchen knife set. Good quality - Recommendations
Replies: 55
Views: 4768

Re: Kitchen knife set. Good quality - Recommendations

I've had my Henckels Twin Pro S knives for +30 years now (aka Zwilling Professional S), and I would ask to be buried with them, except that I want to pass them on. The line isn't made any more, as best as I can tell, but you can still find them on Amazon, CutleryandMore.com, etc. If you want to get ...
by bayview
Sat Aug 26, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Stocks On Sale - What do you buy?
Replies: 64
Views: 6340

Re: Stocks On Sale - What do you buy?

If stocks go "on sale", I just buy whatever I already invest in. I know that I am prone to chasing bunnies (going off-plan), so being aware of that, I just keep buying whatever I already invest in, at whatever proportion and amount needed to get back to my AA.

Boring, I know. 8-)
by bayview
Sat Aug 26, 2017 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: My Mom's portfolio
Replies: 14
Views: 1461

Re: My Mom's portfolio

For OP's sake :D , let's give him/her the chance to come back and note if:

1) His mom asked him for help

2) His mom specifically said that she has a legacy interest as well as taking care of herself during her lifetime.

If OP can confirm these two points, then we can perhaps give useful advice.
by bayview
Sat Aug 26, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Rejected By Two Banks For an On-Line Savings Account….why?
Replies: 24
Views: 3559

Re: Rejected By Two Banks For an On-Line Savings Account….why?

I was denied when I applied for a checking account at an online bank despite having decades of banking and financial history with no negatives at all. Turns out they used some credit bureau that was not one of the big four but was one that I had never heard of and which apparently had no informatio...
by bayview
Mon Aug 21, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Advantages of Having No Credit Score
Replies: 42
Views: 3300

Re: Advantages of Having No Credit Score

You can have a credit score and be debt free. No you cannot. You have to use some form of credit (debt) to maintain a credit score. Even if your using a credit card and paying it off every month that is a form of debt. You can use a credit card and pay it off the moment it posts. So OK, I suppose y...
by bayview
Sat Aug 19, 2017 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie starting new job: Help choosing investments
Replies: 6
Views: 539

Re: Newbie starting new job: Help choosing investments

I suppose, just to be contrary :D , I might go with TIAA for access to the real estate fund, IF you can contribute at least as much to your 457. For the TIAA traditional annuity, do you know the terms on it? There seem to be a dizzying variety of plans, with differing rates and withdrawal options. T...
by bayview
Sat Aug 19, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 7637

Re: DUI lawyer - need advice

For those who advise allowing the DC to "learn a life lesson" (and I'm a mother; I understand), you might want to realize that having a DUI on your record can make it difficult to get a job, or a new job, for some period of time. I guess if I had a kid in that situation, I'd get a lawyer in hopes of...